i think you will find that the comprehensive insurance is much much less
than the collision, so having a low deductible isnt expensive like
collision. also their is often small, annoying damage like vandalism or
tree/wind damage.
i made 2 claims in a 18 month period. my first question before the second
claim was "will this raise my premuim"
collision, OTOH is a different story. i doubt it pays to make a claim in
most cases- they will just get back anything they paid to you by raising
your rates. also you have to consider the gap between the premuim amount
and the totaled value of the car minus the dedictible. thats all you have
to get, and most older cars will be totaled, not repaired, due to their low
valuation. so collision makes sense for new, valuable cars.
when i had collision insurance, i raised it to the highest deductible.
-james
----- Original Message -----
From: Rob Weinstock <weinstro@hotmail.com>
To: <BA-AUTOX@autox.team.net>
Sent: Friday, January 04, 2002 4:11 AM
Subject: Re: paintless dent removal
> You went down to $50, from where?
>
> My deductibles are currently $500 on comp and collision, in order to keep
> the insurance low. There was a noticeable change in the premium, going
from
> $250.
>
> Also, what do you do about filing "too many" claims, and having the
> inevitable rate increase?
>
> Regards,
>
> Rob
>
>
> >From: James Creasy <black94pgt@pacbell.net>
> >Reply-To: James Creasy <black94pgt@pacbell.net>
> >To: "Kelly, Katie" <kkelly@spss.com>, BA-AUTOX@autox.team.net
> >Subject: Re: paintless dent removal
> >Date: Thu, 03 Jan 2002 16:37:00 -0800
> >
> >when i had a girlfriend that moved to the mission district of san
francisco
> >some years ago, one of the first things i did was call up my agent and
> >lower
> >my deductable to $50. the cost was an additional $1 per month (i think
my
> >entire premuim was $16 for 6 months), and i got the whole side of my car
> >repainted for $50 after my lock got screwdrivered a month
> >later.
> >
> >the short story: i just asked them!
> >
> >-james "dent proof" creasy
> >
> >----- Original Message -----
> >From: Kelly, Katie <kkelly@spss.com>
> >To: <BA-AUTOX@autox.team.net>
> >Sent: Thursday, January 03, 2002 4:27 PM
> >Subject: RE: paintless dent removal
> >
> >
> > > Okay, now here I am lost: how do you lower your decuctable? I talk to
my
> >insurance agent, and he just throws words at me, and I nod and smile and
> >sign, and then I can't afford to get my car fixed.
> > >
> > > Katie
> > >
> > > -----Original Message-----
> > > From: James Creasy [mailto:black94pgt@pacbell.net]
> > > Sent: Thursday, January 03, 2002 4:26 PM
> > > To: Kelly, Katie; Craig Haggart, SSRL Accelerator Ops Group;
> > > BA-AUTOX@autox.team.net; PETER.THANA@ROCHE.COM
> > > Subject: Re: paintless dent removal
> > >
> > >
> > > step 1: lower your comprehensive deductable to $50
> > >
> > > step 2: get dent repaired.
> > >
> > > (actually i keep my comprehensive deductible low- the cost is very
cheap
> >on
> > > old cars and that type of damage tends to be smaller compared to
> >collision
> > > damage)
> > >
> > > -james " the dentless" creasy
> > >
> > > ----- Original Message -----
> > > From: Kelly, Katie <kkelly@spss.com>
> > > To: Craig Haggart, SSRL Accelerator Ops Group
> ><haggart@SLAC.Stanford.EDU>;
> > > <BA-AUTOX@autox.team.net>; <PETER.THANA@ROCHE.COM>
> > > Sent: Thursday, January 03, 2002 4:15 PM
> > > Subject: RE: paintless dent removal
> > >
> > >
> > > > Craig,
> > > >
> > > > Just how large was this dent? I was told my dent, which doesn't seem
> >that
> > > large to me, is too large for DentPro. So, I've just left it there,
> >waiting
> > > for that extra cash to flow in to get it fixed. I've been waiting a
long
> > > time. $200 is MUCH cheaper than my deductable.
> > > >
> > > > Katie
> > > >
> > > > -----Original Message-----
> > > > From: Craig Haggart, SSRL Accelerator Ops Group
> > > > [mailto:haggart@SLAC.Stanford.EDU]
> > > > Sent: Thursday, January 03, 2002 3:09 PM
> > > > To: BA-AUTOX@autox.team.net; PETER.THANA@ROCHE.COM
> > > > Subject: Re: paintless dent removal
> > > >
> > > >
> > > > > Brad Treece no longer works [at DentPro]. Anyone know
> > > > > where he is...?
> > > >
> > > > Funny you should ask! I just had Brad pull several dents on my
> > > > Miata two weeks ago. His outfit is called Dent Performance, and
> > > > his phone number is 408-227-8031 (cell = 408-210-6922).
> > > >
> > > > Brad came to my house in his truck full of tools, removed a large
> > > > dent in the rear panel plus several small "door dings," and
> > > > charged a total of $200. That's a lot cheaper than a body shop,
> > > > although I have to say that he certainly did well financially
> > > > considering that it took him little more than an hour. If I could
> > > > make about $200 per hour all day every day, I'd sure be one happy
> > > > camper! Well, it's true that I'm already a happy camper, so I
> > > > guess I'd be an ECSTATIC camper. Anyway, Brad did good work, and
> > > > regardless of how much he charged, it was still lots cheaper than
> > > > any other option except doing nothing.
> > > >
> > > > The large dent was caused by a friend's exuberant (and heavy) dog
> > > > hitting my car with the side of his body after jumping over a
> > > > short fence, which is why there was no paint damage. The panel
> > > > just got shoved in. Brad popped it out from inside the trunk,
> > > > which formed a couple of dimples. He then worked those out. I
> > > > probably would have needed to go to a body shop if there had been
> > > > paint damage, and a body shop would have repainted the entire
> > > > panel before handing me a bill for about three times the amount
> > > > Brad charged.
> > > >
> > > > Oh, I didn't bother to ask my insurance agent if they'd cover it
> > > > because I have a high deductible.
> > > >
> > > > Hope this helps!
> > > >
> > > > --
> > > > -Craig Haggart
> > > > haggart@slac.stanford.edu
> > > > Sunnyvale, California
> > > > '96 Miata M Edition
>
> _________________________________________________________________
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